Nissan Titan Insurance Rates
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UPDATED: Apr 11, 2024
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The average auto insurance rates for a Nissan Titan are $1,344 annually with full coverage. Comprehensive costs on average $250 each year, collision costs $400, and liability is $514. Buying just liability costs around $572 a year, with insurance for high-risk drivers costing around $2,900. Teens cost the most to insure at $5,220 a year or more.
Average premium for full coverage: $1,344
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Titan models.
Price Range Variability
For a driver in their 40's, Nissan Titan insurance rates go from as cheap as $572 for just liability coverage to a high rate of $2,900 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below details estimated Nissan Titan insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $793
- Raising to $1,000 deductibles will save around $148 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,344
- Selecting low deductibles will cost $1,628
- Drivers with serious driving violations could pay upwards of $2,900 or more
- Policy cost with full coverage for a 16-year-old driver may cost $5,220
Insurance rates for a Nissan Titan also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $440 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Nissan Titan insurance prices. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,030 | -$314 | -23.4% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,530 | $186 | 13.8% |
| Colorado | $1,282 | -$62 | -4.6% |
| Connecticut | $1,378 | $34 | 2.5% |
| Delaware | $1,520 | $176 | 13.1% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,000 | -$344 | -25.6% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $906 | -$438 | -32.6% |
| Kansas | $1,274 | -$70 | -5.2% |
| Kentucky | $1,832 | $488 | 36.3% |
| Louisiana | $1,990 | $646 | 48.1% |
| Maine | $830 | -$514 | -38.2% |
| Maryland | $1,108 | -$236 | -17.6% |
| Massachusetts | $1,074 | -$270 | -20.1% |
| Michigan | $2,332 | $988 | 73.5% |
| Minnesota | $1,122 | -$222 | -16.5% |
| Mississippi | $1,608 | $264 | 19.6% |
| Missouri | $1,190 | -$154 | -11.5% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,058 | -$286 | -21.3% |
| Nevada | $1,614 | $270 | 20.1% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,502 | $158 | 11.8% |
| New Mexico | $1,188 | -$156 | -11.6% |
| New York | $1,414 | $70 | 5.2% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,102 | -$242 | -18.0% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,378 | $34 | 2.5% |
| Oregon | $1,230 | -$114 | -8.5% |
| Pennsylvania | $1,280 | -$64 | -4.8% |
| Rhode Island | $1,792 | $448 | 33.3% |
| South Carolina | $1,218 | -$126 | -9.4% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,174 | -$170 | -12.6% |
| Texas | $1,618 | $274 | 20.4% |
| Utah | $992 | -$352 | -26.2% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $804 | -$540 | -40.2% |
| Washington | $1,036 | -$308 | -22.9% |
| West Virginia | $1,230 | -$114 | -8.5% |
| Wisconsin | $928 | -$416 | -31.0% |
| Wyoming | $1,196 | -$148 | -11.0% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,196 | $100 |
| Nissan Titan SE King Cab 4WD | $1,230 | $103 |
| Nissan Titan XE Crew Cab 4WD | $1,230 | $103 |
| Nissan Titan XE King Cab 2WD | $1,386 | $116 |
| Nissan Titan Pro-4X King Cab 4WD | $1,288 | $107 |
| Nissan Titan SE Crew Cab 4WD | $1,288 | $107 |
| Nissan Titan SE King Cab 2WD | $1,420 | $118 |
| Nissan Titan XE Crew Cab 2WD | $1,420 | $118 |
| Nissan Titan LE Crew Cab 4WD | $1,320 | $110 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,320 | $110 |
| Nissan Titan SE Crew Cab 2WD | $1,454 | $121 |
| Nissan Titan LE Crew Cab 2WD | $1,520 | $127 |
Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan | $306 | $506 | $450 | $1,442 |
| 2023 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2022 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2021 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2020 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2019 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2018 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2017 Nissan Titan | $224 | $330 | $520 | $1,254 |
| 2016 Nissan Titan | $216 | $310 | $524 | $1,230 |
| 2011 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2009 Nissan Titan | $158 | $178 | $520 | $1,036 |
| 2008 Nissan Titan | $156 | $168 | $510 | $1,014 |
Rates are averaged for all Nissan Titan models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Nissan Titan Insurance
Finding cheaper rates on insurance for a Nissan Titan consists of avoiding accidents and claims, having a good credit history, not filing small claims, and bundling your home and auto policies. Invest time comparing rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a condensed summary of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,560 more each year to insure a Nissan Titan
- You may be able to save as much as $160 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Insureds who require increased liability limits will pay approximately $570 every year to raise from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,220 |
| 20 | $3,086 |
| 30 | $1,382 |
| 40 | $1,344 |
| 50 | $1,232 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,496 |
| $500 | $1,344 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,634 |
| 100/300 | $1,777 |
| 250/500 | $2,147 |
| 100 CSL | $1,691 |
| 300 CSL | $2,005 |
| 500 CSL | $2,233 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,400 |
| 20 | $4,916 |
| 30 | $2,942 |
| 40 | $2,900 |
| 50 | $2,770 |
| 60 | $2,744 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $72 |
| Homeowner | $22 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $55 |
| Advance Quote | $63 |
| Online Quote | $93 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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